Approved once, checked every time
You and your buyers are approved once, with a limit. Each draw then goes ahead only when the evidence it needs, such as a purchase order or a carrier-issued bill of lading, has been checked.
Trade finance
One facility, from purchase order to final payment.
Draw against an order to produce. The advance converts into invoice finance when the goods ship. Your buyer pays your own account as normal, and never needs to know.
Two lenders, two applications, weeks of paper.
A supplier takes a bridge loan to produce, then refinances it with a factor once the invoice exists. Each lender runs its own credit committee, sets its own limits and wants its own documents. The factor tells your buyer to pay them instead of you.
| Product | For | How it works |
|---|---|---|
| Pre-shipment finance | Suppliers | Working capital against a purchase order, before goods exist. |
| Confidential factoring | Suppliers | Early payment on an invoice once goods ship. Your buyer keeps paying your account. |
| Payables finance | Buyers | Pay your supplier early and settle later, against your signed approval. |
| Escrow-backed early pay | Suppliers | Draw against payment already locked in escrow. |
| Two-sided trade cycle | Both | Finance the whole trade when supplier and buyer are both members. |
One fee, fixed at draw
You see the full cost of each advance before you take it. No arrangement fees on top. The rate is not published yet.
Repaid from your own collections
Your buyer pays the collection details on your invoice. Those same details repay the advance, automatically and confidentially.
Cheaper when both sides are members
Closed-loop deals, where your counterparty is also on Rheza, carry the lowest rates on the platform.
Where the money comes from
Finance is funded by an independent lending pool of institutional and individual capital, administered by a third party. Credit is approved independently of Rheza and protected by member collateral, credit insurance and a reserve. Rheza originates and services deals. It does not lend its own money or hold yours.